In these historic times we are living in there is much to contemplate.  We have elected a new President and many are feeling hopeful that this changing of the guard so to speak will lead us to prosperity again after the struggles so many have been dealing with. 

However, I feel that we cannot put all our emphasis on a new President or Congress, though I am certainly hopeful that these changes will lead us in the right direction as well.  I still believe that if we want change in our lives it must start with each individual.  What steps are you taking today to live the life you desire?  How are you being accountable to yourself? 

With all the wrangling in Washington today, we see fingers being pointed in all directions for the mess our economy is in.  Some point to greedy Wall Street financiers for investing folks hard earner retirement funds into questionable investments. 

Others point at unscrupulous mortgage lenders who approved anyone and everyone they could through unsavory loan practices which then led to the current mortgage meltdown and subsequent foreclosure crisis. 

Still others blame consumers who took “creative” loans that they did not understand to get into homes that many could not afford to begin with.

The consequences are obvious enough. From the bottom up we see homeowners who don’t own those homes anymore.  We see mortgage companies and financial institutions closing their doors daily.  But still the question begs, “Where is the accountability in all of these instances?”

It’s true that all of these factors played a part in the mess we find our economy in at this moment.  But who is being held accountable?  At the most fundamental level, I believe that one lesson, among many, to come from the mortgage mess is to never sign documents that you have not read and fully understood.  That includes loans, contracts and divorce decrees.  A good attorney or lender will take the time to answer all your questions. 

Yes, it’s confusing and time consuming.  Do not make decisions under intimidation or pressure.  That’s usually when the worst mistakes are made.  Mistakes that you may have to live with for a lifetime.  Take the time to educate yourself or consult with those who have more knowledge than you in those areas.

It’s your life and your money.  To create and live the life you want you must be accountable for the choices that you make.  So today….I ask you, “Are you being accountable to yourself in all areas of your life?”